What document certifies the amount owed on a mortgage loan and the interest rate?

The correct answer, the estoppel certificate, is a document often used in real estate transactions that certifies the terms of a mortgage loan, including the outstanding balance and the interest rate. This document serves to confirm the specifics of a loan agreement between the borrower and lender, providing an official acknowledgment of the amount owed and the conditions of the loan as of a specific date. It is particularly common in scenarios where a property is being sold or refinanced, as it provides prospective buyers or lenders with assurance regarding the financial obligations attached to the property.

In contrast, other choices do not serve this specific purpose. An estoppel generally refers to a legal principle preventing someone from arguing something contrary to a previously established position, but is not a document related to mortgage loan specifics. Evidence of title pertains to proving ownership of a property, not to the details of a mortgage. A lease agreement outlines the terms between a landlord and tenant, dealing with rental property rather than mortgage obligations. Thus, the estoppel certificate is unique in its function of certifying the financial status of a mortgage loan, making it the correct answer.